U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Customer service / Customer relations Illinois

I have - Fidelity Visa cards issued by Elan- Bank. - account, ending in -, was a new account opened directly with US Bank when Fidelity switched card issuers. The second account, ending in -, was transferred from the previous Fidelity card issuer, -/Bank -. I have several issues related to my - accounts for which I have not received satisfactory resolution from customer service. 1. The account ending in - has a substantial balance on a 0 % APR promotion. My Elan statements show the promotion expiring in -. The original promotion terms with - stated the 0 % rate was good for 18 months, which would make the end date -. Please update your records and ensure the promotion ends on the correct date.


3. I had previously applied for a credit limit increase on the - account and was told that I have already been granted the maximum credit limit possible of -. The - account was transferred from - with a credit limit of - so clearly limits larger than - are possible. Please explain why - credit limit increase request was declined and please raise the credit limit on - account accordingly. 4. If raising credit limit on - is not possible then I would like to combine the credit limits of both accounts into -. Please note that I do *NOT* want to combine accounts until the 0 % balance on - is paid off so that I do not mix balances with different interest rates and secondly, I would like - to be the surviving card since I have many recurring transactions scheduled to be charged to that account. Again, I do not want to do this until the promo APR expires, I 'm merely asking if this will be possible. 5. I was charged some foreign transactions fees on -. I was under the impression that there are no foreign transactions fees on this account. Can you please credit the account for these fees? Additionally, could you please explain how the foreign exchange rate is calculated and whether the current rates are available online or elsewhere for review? 6. As you can see from my account history, I use - heavily as my primary credit card. At times, the assigned credit limit has not been enough. It 's my understanding that - - cards have a 'soft ' limit that allows transactions equal to twice the revolving credit limit to be charged. This has not been my experience. While you have allowed me to exceed my credit limit, it 's been rather arbitrary and has lead to embarrassing declines at points of purchase. Can you please explain how this soft limit policy works? 7. I always pay my - account in full each month. Due to bank error, the - payment did not post so I had to schedule a same day payment of $250.00 to avoid non-payment and related fees. The error has now been corrected and the full payment of - has posted. Could you please make an exception and waive the interest charges I was charged ( and may be charged on the next statement ) as a courtesy? 8. The balance on the - statement for - is -. Not accounting for fee and interest credits I 've requested above or any new charges since the last bill, if I subtract the - payment that posted late and the $250.00 same-day payment I made, I am left with a balance of $3800.00. Please confirm that if I pay this amount by the due date of -/-/-, my account will be back on track, i.e., it will be the same as having paid in full in both - and - and that no additional interest charges will apply ( unless of course I do n't pay future charges in full before the due date ). Thank you.